Re: questions about health insurance

[Guest guest]

,

Alabama has a program called " All Kids " that Peyton would most likely

qualify for. Information about " All Kids " can be found at

http://www.adph.org/allkids/

Alabama Medicaid and All Kids income guidelines can be found at

http://www.adph.org/allkids/incomechart.pdf

(This is a PDF file and requires Adobe Acrobat Reader to view.)

Basicly, a family of three can make slightly over $2,500 a month and

still qualify for the limited fee version of their program, which

costs only $50 per year per child and $5 co-pay for each dr. visit,

at the MOST.

Also, if your husband gets a job that offers insurance, your child

cannot be denied due to pre-existing conditions as long as he's had

prior uninterrupted coverage. So, even if he's healthy and your

husband expects to find a job relatively quickly in Alabama, apply

for the state programs anyway so that your coverage is not

interrupted. That way, the HIPPA laws cover the child's eligibility

on the new insurance at the new job.

You asked about insurance costs in your post. My husband's policy at

work costs about $130 every four weeks for us, covers the whole

family, costs us $15 co-pay per office visit, $15 for name-brand

prescription drugs, $8 for generic prescription drugs, and pays 90%

in-network diagnostic, out-patient, and hospitilization fees. Out-of-

network pays 80%. Once our deductible was met, it pays 100%. I

don't remember how much our deductible is, but we met it early in the

year and haven't had any hospitilizations yet, so it must not be that

high. This plan covers dental and vision, too. Costs and coverage

vary with different employers, insurance companies, and policies

within companies. It sounds more complicated than it really is.

Links to all state medicaid sites on the web can be found at

http://www.geocities.com/CapitolHill/5974/

Good luck,

~

mommy to 3, 1 wcf

> Hi, my name is and I have an 11 month old son w/cf. He

seems

> to be doing great but is now on TOBI. My husband is active duty

> military and we were considering getting out and moving back to AL.

> The only thing holding us back is the cost of medical insurance.

If

> there is anyone out there willing to share the cost of insurance

> monthly with me i would appreciate it greatly. Thanks

>

> mother of Peyton 11 months w/cf